Harvest River Mortgage

Construction-to-perm financing.
Made simple.

See what your interest-only payments look like during construction and what your monthly mortgage becomes when it converts to a 30-year fixed. Then let us match you with the right lender in our network.

Get Pre-Qualified See My Payment

30-Year Fixed6.40%

15-Year Fixed5.65%

Source: Freddie Mac PMMS via FRED (indicative)

Updated weekly

Estimate Your Payment

Construction-to-perm calculator

Real numbers, in real time. Adjust the inputs on the left and the schedule updates as you type.

Loan Summary

Out-of-Pocket Expenses Due at Closing

Down Payment (%)20%

Total Project Cost$1,678,340.90

Total Loan Amount$1,342,672.72

Down Payment ($)$335,668.18

Financing Fees$26,853.45

Title & Escrow Fees$2,500.00

Total$365,021.63

Construction Loan

30 Year Mortgage

Construction Term (Months)12

Construction Loan Rate8.50%

Total Interest Paid Construction Loan$71,329.49

30 Year Term (Months)360

30 Year Fixed Rate6.40%

Estimated Monthly Mortgage Amount$8,398.50

Estimated Construction Interest Payment Schedule

Month 1$951.06

Month 2$1,902.12

Month 3$2,853.18

Month 4$3,804.24

Month 5$4,755.30

Month 6$5,706.36

Month 7$6,657.42

Month 8$7,608.48

Month 9$8,559.54

Month 10$9,510.60

Month 11$9,510.60

Month 12$9,510.60

We finance every Harvest River style

From classic farmhouse to modern. Same lender network.

Modern

Farmhouse

Craftsman

Get Pre-Qualified

Ready for real rates from our lender network?

Tell us about you and the project. We’ll send a secure application link and a real pre-qualification letter from one of our lender partners. This step does not pull credit.

How it works

Four steps. No surprises.

Tell us about your project

Fill in the form above. We use stated income for a soft-quote pre-qualification, with no credit pull and no obligation.

Complete the secure application

You’ll get an email with a private link to our secure application, where you provide the details lenders need to underwrite your file. Bank-grade encryption protects sensitive data at rest.

We match you with a lender

Harvest River Mortgage forwards your application to lender partners in our network. You see the best terms back, side-by-side.

Close and build

We coordinate with your builder so the construction draws and final conversion to your 30-year mortgage are seamless.

Start my pre-qualification

Harvest River Mortgage is a brand of Harvest River Partners. We are a referral service that connects borrowers with our network of NMLS-licensed lender partners. We are not a direct lender. This is not a commitment to lend. Pre-qualification is based on self-reported information and is not the same as pre-approval or final loan approval. All loans are subject to underwriting, appraisal, and credit approval by the funding lender. Equal Housing Opportunity.